I don't think the industry would like my insurance risk model........its wouldn't unnecessarily fleece hundreds of millions from the hard working public each year because some 'statisic' tells it to do so and then hiding behind the line *said in as girly of a voice as possible* 'well what else are we supposed to use?'
Its like the standard 'insurance is going up' headline we have to listen to EVERY YEAR..... If insurers just had the balls to say 'errrrm the Board said they want profits up by another 30% this year so we're going to spin some line about about the 3 scousers who've been doing cash for claims and blame them for a 30% hike in prices'........I'd have a lot more respect for them.
Its the same line every bleeding year 'due to the increase in insurance fraud insurance prices will be rising by blahblah'......snooooooooooooorrrrrrrrreeee - if fraud is that bad then investigate it properly, underwrite the policy properly, load people on CIFAS, give the police their details, prosecute when you identify it. I don't see all these millions of people queuing up out of the courts waiting to see a judge, they seem to be able to reoffend every year (unless we're to believe the entire country is at it) so they're not being loaded on CIFAS either (as you'd never get insured again if you did).
If bodyshops are fleecing you and draining every last penny out of a job then lets have a think..........STOP FRIGGING USING THEM!!!!!!!!!! Use a better, smaller, independent and get your own engineer to sign off the works instead of putting us all through the ordeal of dealing with Howard 'I couldn't fix a car properly if my life depended on it' Basford.
With all the whining they do anyone would think that they weren't all making significant profit every year.
EDIT - BTW Olly this isn't aimed at you personally.....at least Sky bother to engage with an Underwriter.